2024 Burial Insurance with Heart Bypass Surgery

Are you worried about getting burial insurance after heart bypass surgery?

Depending on your current health, you can often qualify for first-day coverage insurance if you apply with the right company. Not all insurance companies offer plans or benefits in all states.

This article will help you understand how to qualify for the most affordable burial insurance, the factors affecting rates, and what to expect during the application process.


What Is A Heart Bypass Surgery?

Heart bypass surgery, also known as coronary artery bypass grafting (CABG), is a procedure to improve blood flow to the heart muscle.

CABG is typically done to treat coronary artery disease (CAD), where plaque buildup narrows the coronary arteries. These arteries supply oxygen-rich blood to your heart, and when narrowed, they can’t deliver enough blood, leading to chest pain, shortness of breath, and even heart attacks.

During bypass surgery, the surgeon takes a healthy blood vessel from another part of your body, like your leg, and replaces the restricted artery to create a new pathway for blood to flow around the blockage in the coronary artery. This “detour” allows your heart muscle to receive the oxygenated blood it needs to function properly.

There are different types of heart bypass surgery that the insurance companies will want to know about:

  • Single bypass
  • Double bypass
  • Triple bypass
  • Quadruple bypass
  • Quintuple bypass

Can I Get Burial Insurance If I Have Had Heart Bypass Surgery?

YES:  Depending on your health, you may qualify for first-day coverage insurance with some life insurance companies that ask if you have NOT been hospitalized two or more times in the past two years.

NO: If youhave an upcoming heart bypass or circulatory surgery, you won’t qualify for a first-day coverage plan until any surgeries or procedures have been completed.

If you don’t qualify for first-day coverage, you can get a guaranteed-issue burial insurance, which accepts all applicants regardless of their health issues.

Burial Insurance Available To People Who Had Heart Bypass Surgery?

FIRST-DAY COVERAGE – This burial insurance has no waiting period, and your death benefit is available after the first payment day. Your beneficiary will receive 100% death benefit upon your passing.

GUARANTEED ISSUE LIFE INSURANCE – This policy does not require a medical exam or health questions to apply. You can get approved for coverage regardless of your health condition. The downside to this plan is they are often 50% more expensive and has a mandatory two-year waiting period. 

If you pass away during the first two years, your beneficiaries won’t receive the full death benefit. They’ll only get the premiums you paid back plus a small amount of interest, usually 7 to 10%.

What Is My Best Insurance Option If I Have Had Heart Bypass Surgery?

A first-day coverage plan is the best option for people who have had bypass surgery. 

Our preferred company, which accepts recent circulatory surgeries, will ask: “Have you been hospitalized two times in the past two years?” If you can answer this question with a “No,” there’s a great chance you can qualify for their first-day coverage if that plan is available in your state.

If you’re currently hospitalized or have been hospitalized two or more times, your next best insurance option is to get a guaranteed-issue whole life insurance with a two-year waiting period.

Do I Need A Medical Exam To Qualify For Burial Insurance?

Medical exams, blood tests, and urine samples are not required for burial insurance approval.

The best and lowest-cost burial insurance plans with first-day coverage ask only basic health questions and offer approval within minutes!

What Is The Cost Of Burial Insurance If I Had Heart Bypass Surgery?

The cost of burial insurance will depend on your:

  • Age
  • Coverage amount
  • Gender
  • General health
  • State of residence
  • Smoking status
  • Type of policy

Burial Insurance Underwriting If You Had Heart Bypass Surgery

Here are some examples of heart bypass questions you will see on the health questionnaire:

  • Have you had any type of heart surgery within the last 12 months?
  • Have you had any type of heart surgery within the last 2 years?

The insurance companies will also review your prescription history as part of their underwriting process. If you are taking prescription medication for any health issues, this may impact what plans and rates you qualify for.

Information We Need if You Had A History Of Heart Bypass Surgery

Here are some of the questions we may ask to get you the best plan and pricing:

  • Did you experience any complications like internal bleeding, cardiac tamponade, or a stroke after the surgery?
  • Do you have other risk factors for heart disease, such as smoking, high blood pressure, or high cholesterol?
  • How many blocked arteries did you have treated?
  • How old were you when your heart bypass surgery was completed?
  • What medications are you taking after the bypass surgery?
  • When did you have your bypass surgery?
  • Why did you need to have bypass surgery?

What If My Application Was Rejected Because Of Heart Bypass Surgery?

If you’ve been declined in the past because of a heart bypass surgery, it is best to contact an independent insurance agency that works with the right type of insurance companies that accept people with heart bypass surgery for first-day coverage.

We have access to more than 20 insurance companies and can help you qualify with a heart-friendly life insurance company. 

How to Get First-Day Coverage With A History Of Heart Bypass Surgery

Not all companies treat heart bypass surgery the same way. The best way to get a first-day coverage burial insurance plan after a heart bypass surgery is to work with an independent agency like Funeral Funds.

Our independent life insurance agents can compare insurance companies offering first-day coverage insurance and recommend the best plan with the best pricing.

How To Apply For Burial Insurance With Heart Bypass Surgery

  1. Consult with an Independent Insurance Agent – Look for an independent insurance agent who works with people who have had heart bypass surgery. They can explain the different burial insurance plans available and help you compare prices. They’ll also be able to answer any questions you have about coverage.
  2. Complete the Application Honestly – Select the plan that meets your needs and budget. Be honest and accurate when answering health questions. Provide accurate details about your health, treatments, and any lifestyle changes you’ve made. 
  3. Review and Confirm Policy Details – Carefully review the policy terms before you sign anything. Follow the insurance company’s instructions for submitting your application.

How Can Funeral Funds Help Me?

Here at Funeral Funds, we specialize in getting life insurance coverage for people with a history of heart bypass surgery.

We work with many A+ rated insurance companies that specialize in high-risk clients. We will search those companies to give you the best rate. We’ll match you up with your best life insurance option.

We will assist you in securing the coverage you need at a rate you can afford. So, if you’re looking for burial insurance after heart bypass surgery, we can help. Fill out our quote form on this page or call (888)862-9456 for accurate burial insurance quotes.

Funeral Insurance, Final Expense Insurance, Burial Insurance With Heart Bypass Surgery Infographic

Frequently Asked Questions

What is a pre-existing heart condition in life insurance?

A pre-existing heart condition for life insurance includes any previous diagnosis of heart disease and any treatment you received before applying for life insurance, such as surgery, angioplasty, or stent implant.

Do I need to tell the insurance company about heart bypass surgery?

Yes, most insurance companies ask about circulatory surgeries in the health questionnaire. Failure to disclose this information could result in your policy being declared void or declined.

How long does bypass surgery affect life insurance?

The effects of bypass surgery on life insurance will vary from company to company. However, most life insurance companies will offer you a first-day coverage plan if your bypass surgery has been two years or longer.

Is there an age limit for burial insurance with heart bypass surgery?

Most life insurance companies accept applicants up to 85 years old, and the policy will remain active until age 121.

Can you get first-day coverage insurance if you have heart bypass surgery?

Most life insurance companies will offer you a first-day coverage plan if your bypass surgery has been two years or longer.

Can I qualify for cremation insurance with a history of heart bypass surgery?

Yes, depending on your health and insurance availability in your state, you may even qualify for first-day coverage cremation insurance.

Can you be denied insurance for heart bypass surgery?

Yes, if you had a recent heart bypass surgery and you’ve been hospitalized two or more times in the last two years.

What is the average cost of life insurance for someone with heart bypass surgery?

The average cost of life insurance will depend on your age, gender, coverage amount, location, and health.

How long does it take for life insurance to kick in after heart bypass surgery?

Most life insurance policies will be in effect after your first payment date.


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